The Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 107.10 percentage points in Q2 2026, from 249.67% to 142.57%. It was the largest change from Q1 2026 among the key lines here. The Bank ranks 30th of 103 Louisiana banks on return on assets, in the upper half at 1.66% (Q2 2026). The Bank reported 1.66% on return on assets for Q2 2026, 0.40 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.76% |
| Equity capital to assets | 12.61% |
| Tangible equity to tangible assets | 12.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.25% |
| Non-performing assets ratio | 1.04% |
| Net charge-off ratio | 0.21% |
| Texas ratio | 8.22% |
| Allowance for credit losses to loans | 1.78% |
| Reserve coverage of non-performing loans | 142.57% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.66% |
| Return on equity | 13.23% |
| Net interest margin | 5.31% |
| Efficiency ratio | 51.57% |
| Yield on earning assets | 7.17% |
| Cost of funds | 2.09% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.35% |
| Core deposits to total deposits | 87.53% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.79% |
| Securities to assets | 15.86% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.82% | 1.24% | 4.23% | 0.26% | 0.31% |
| Q4 2023 | 10.95% | 1.25% | 4.45% | 0.35% | 0.26% |
| Q1 2024 | 11.26% | 1.34% | 4.53% | 0.58% | 0.41% |
| Q2 2024 | 11.77% | 1.87% | 4.79% | 0.61% | 0.24% |
| Q3 2024 | 12.17% | 1.74% | 4.93% | 0.62% | 0.23% |
| Q4 2024 | 12.47% | 1.91% | 4.96% | 0.77% | 0.32% |
| Q1 2025 | 12.48% | 1.51% | 4.90% | 1.02% | 0.24% |
| Q2 2025 | 12.24% | 1.65% | 4.98% | 0.87% | 0.45% |
| Q3 2025 | 12.66% | 1.57% | 5.27% | 0.85% | 0.54% |
| Q4 2025 | 12.98% | 1.70% | 5.28% | 0.40% | 0.33% |
| Q1 2026 | 13.08% | 1.82% | 5.31% | 0.64% | 0.10% |
| Q2 2026 | 12.76% | 1.66% | 5.31% | 1.25% | 0.21% |
The Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34409) · FFIEC NIC profile (RSSD 2505460)